Card Benefits

after you spend $500 on purchases in your first 3 months from account opening.*

Earn a $25 bonus when you add your first authorized user and make your first purchase within this same 3-month period.*

This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.

Low intro APR

0% intro APR for 15 months from account opening on purchases and balance transfers.† After that, 14.24%–23.24% variable APR.† Balance transfer fee is 5% of the amount transferred with a minimum of $5.†

5% Cash Back

Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.*

1% Cash Back

Earn 1% cash back on all other purchases* – it's automatic. Cash Back rewards do not expire as long as your account is open!*

Explore Additional Benefits

"Chase Freedom's 5% cash back through the end of the year makes it one of the best cards for Costco purchases" - NerdWallet**

**NerdWallet receives a fee from each Chase Freedom account booked through its site. Chase does not exercise any editorial control over their credit card reviews. The views and opinions expressed are NerdWallet's. Products and services described as well as associated fees, charges, and interest rates may vary.

Wholesale clubs are not affiliated with Chase.

Cardmember Reviews

Showing 3 of 12049

Featured Review

Easy to use rewards card and excellent service

The CHASE Freedom card has been one of the easiest credit cards I've come across in years. The reward categories rotate and seem to reflect the seasons, site is easy to navigate and the customer service as usual is top notch.

03/30/16

Submitted by: Shawn

Featured Review

I like my Freedom Card

Out of all the cards I have I like my Chase Freedom card the best. From the Chase website to the rewards I feel it gives me the most bang for my buck.

12/25/15

Submitted by: jfbuf

Featured Review

Decent Card

The Chase Freedom card is sufficient to use on a daily basis to cater to my lifestyle. Simple and easy to activate the rewards program and with the mobile support, it has given easier access on the go for me wherever I may be. Thanks Chase!

The listed merchant(s) are in no way affiliated with Chase, nor are the listed merchant(s) considered sponsors or co-sponsors of this program. All trademarks are the property of their respective owner(s).

additional categories or merchants announced at the beginning of each quarter.

You'll earn 5% cash back from Chase each quarter on up to $1,500 in combined purchases in that quarter's bonus categories.*

^Check with your local wholesale clubs to see if your Chase Freedom card is accepted. The listed merchant(s) are not sponsors of this program.

And as always, get unlimited 1% cash back on all other purchases.*

Activate each quarter to earn 5% cash back on up to $1,500 in combined purchases in that quarter's bonus categories. See chase.com/freedom for more details and exclusions on 5% categories.

*See Offer Details.

1Includes taxis, subways, local commuter buses and trains; does not include parking, tolls, and Amtrak® purchases.

2Does not include purchases made at Walmart®, Target®, or other discount stores. You will still earn unlimited 1% cash back on these purchases.

3Does not include gas, fuel, wholesale club specialty service purchases such as travel, insurance, cell phone and home improvement. Check with your local wholesale clubs to see if your Chase Freedom card is accepted. For more information, please see Chase Freedom Frequently Asked Questions.

4The Department Store category does not include supercenters, discount stores or specialty stores (i.e. stores that sell primarily one line of products such as shoe stores, pet stores, electronics stores, clothing stores); if a merchant is not on the list, you will not earn bonus rewards. Department Store gift card purchases outside of the specific Department Store are excluded and will not earn bonus rewards. Please click here. for merchants included and merchants not included in the Department Store category. For more information, please see Chase Freedom Frequently Asked Questions.

5Does not include merchants that sell a wide variety of goods including prescription drugs and over-the-counter medicines, supplements and various health-related items, and which may contain an on-site pharmacy, for example, warehouse clubs, discount stores, or grocery stores. For more information, please see Chase Freedom Frequently Asked Questions.

The listed merchant(s) are in no way affiliated with Chase, nor are the listed merchant(s) considered sponsors or co-sponsors of this program. All trademarks are the property of their respective owner(s).

Service & protection

You're covered with built-in benefits

Zero Liability Protection

Means you won't be held responsible for unauthorized charges made with your card or account information.*

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.**

Price Protection

If a card purchase you made in the U.S. is advertised for less in print or online within 90 days, you can be reimbursed the difference up to $500 per item, $2,500 per year.**

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.**

Return Protection

You can be reimbursed for eligible items that the store won't take back within 90 days of purchase, up to $250 per item, $1,000 per year.**

** These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.

Redeem Cash Back Rewards

Redeem for cash back, starting at $20. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts.*

Shop with points at Amazon. Link your Chase Freedom card to your Amazon.com account and instantly redeem your Cash Back rewards to pay for all or part of your eligible Amazon.com orders at checkout, including tax and shipping.*

Gift cards Redeem for a variety of gift cards and certificates for shopping, dining and entertainment, and more.*

Travel Book your travel with Chase Ultimate Rewards for competitive rates and flexible ways to pay.

CHASE DOES NOT ENDORSE OR GUARANTEE THE ACCURACY OF, AND SPECIFICALLY DISCLAIMS ALL LIABILITY FOR, ALL SUBMISSIONS, INCLUDING POSTS MADE BY EMPLOYEES OR SUPPLIERS WHO ARE NOT AUTHORIZED ADMINISTRATORS OF THIS SITE. THE SUBMISSIONS ARE NOT EDITED BY CHASE NOR DO THEY NECESSARILY REPRESENT OR REFLECT THE VIEWS OR OPINIONS OF CHASE.

Chase Freedom Card
Before we approve you for a credit card, we will review your credit report and the information you provide with your response to confirm that you meet the criteria for this offer. Based on this review, you may receive a Visa Signature card or Visa Platinum card with different costs and/or benefits, or you may not receive a card. For pricing details, please see Pricing & Terms. For benefits details, please read your credit card benefits materials which will be mailed after your account is established.

$150 Bonus
This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. You will receive 15,000 bonus points with this bonus offer, which can be redeemed for $150 cash back. To qualify and receive your bonus, you must make Purchases totaling $500 or more during the first 3 months from account opening. ("Purchases" do not include balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

$25 Bonus
This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. You will receive 2,500 bonus points with this bonus offer, which can be redeemed for $25 cash back. To qualify for and receive your bonus, your First Purchase and addition of an authorized user to your account must both occur during the first 3 months from account opening. ("First Purchase" does not include balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus points to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

Adding an Authorized User
All correspondence, including credit cards, statements, and notifications will be sent to the name and address on file for the primary cardmember. The primary cardmember is responsible for repaying all balances on this account. Authorized users will have the same charging privileges as the primary cardmember but will not be financially responsible. Chase provides account information to the credit reporting agencies for all account users. This information could impact an authorized user's credit score. When you tell us to add a user to your account, you're confirming that you have a relationship with the person or people whose name(s) and address(es) you've told us, that all their information is correct, and that you have their consent to add them. If Chase determines you've given us fraudulent name and address information or did not have such consent, Chase can close this account.

Zero Liability Protection
Zero Liability Protection does not apply to use of an account by an authorized user without the approval of the primary cardmember. If you think someone used your account without permission, tell us immediately by calling the Cardmember Services number on your card or billing statement.

Cash Back and Points
Cash Back and Points: "Cash Back rewards" are the rewards you earn under the program. Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points. When you use points to redeem for cash, each point is worth $0.01 (one cent), which means that 100 points equals $1 in redemption value. Redemption values for other reward options may vary. You may simply see "Cash Back" in marketing materials when referring to the rewards you earn. How you can earn points: You'll earn points when you, or an authorized user, use a Chase Freedom card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count and won't earn points: balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, overdraft advances, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 1% Cash Back: You'll earn 1% Cash Back rewards for each $1 spent. This equates to $0.01 in Cash Back rewards, which is equal to 1 point, for each $1 spent. 5% Cash Back: You'll earn 5% Cash Back rewards total for each $1 spent until $1,500 is spent on combined purchases in the quarterly bonus categories each quarter that you activate the bonus (4% additional Cash Back rewards on top of the 1% Cash Back rewards earned on each purchase). This equates to $0.05 in total Cash Back rewards, which is equal to 5 points, for each $1 spent, until you reach the $1,500 limit. $5 in Cash Back rewards is equal to 500 points. You must activate your 5% Cash Back bonus each quarter by the activation deadline. 5% Cash Back quarterly bonus categories may include individual select merchants in addition to bonus rewards categories. After $1,500 is spent on combined purchases in the quarterly bonus categories each quarter, you go back to earning 1% Cash Back rewards for every dollar spent, with no maximum. For more information on 5% Cash Back quarterly bonus offers, please visit chase.com/freedom and select the Chase Freedom FAQs link at the bottom of the page. We may offer you ways to earn bonus points through the program, such as Shop through Chase® or special promotions. You'll find out more about the number of bonus points you can earn and any other terms at the time of the offer. How you can use your points: You can use your points to redeem for cash starting at 2,000 points through an account statement credit or electronic deposit into an eligible checking or savings account held by a financial institution located in the United States. Other redemption options include gift cards, travel, and products or services made available through the program or directly from third party merchants. When you use points to redeem for gift cards and travel, each point is worth $.01 (one cent), which means that 100 points equals $1 in redemption value. Points expiration/losing points: Your points don't expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Rewards Categories: Merchants who accept Visa/MasterCard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/MasterCard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see www.Chase.com/RewardsCategoryFAQs.Rewards Program Agreement: We will mail you a Rewards Program Agreement containing additional rewards program terms once your account is established. If you become a Chase Online customer, your Rewards Program Agreement will be available online as well.

Shop With Points
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